Australia's most open-minded lender

Transforming SME Lending in Australia

Elevate your portfolio, champion your SME clients, and enjoy lucrative commissions as you partner with Bizcap, Australia's pioneering open-minded lender. Get accredited with Bizcap today, or call us on 1300 922 223 for more information.

Get Started

We support Australian SMEs and ensure we go above and beyond to help our clients. If you’re a potential referrer, finance broker or accountant, get in touch and start your partnership with Bizcap today!

  • Quick and easy applications
  • Small Business loans up to $4,000,000
  • We lend more
  • Dedicated support to help guide your customers
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Our Features

Why partner with Bizcap?

We support Australian SMEs and ensure we go above and beyond to help our clients. If you’re a potential referrer, finance broker or accountant, get in touch and start your partnership with Bizcap today!

  • A 5 minute application process for your client
  • Unsecured Business Loans up to $500,000
  • Small Business Loans up to $4,000,000
  • 'Tick and Flick' and have our team do the work or sell the deal yourself
  • Dedicated BDM and Broker Support contact
  • Lucrative Commissions with a high renewal rate
When Speed is of Essence
We deliver fast funding when other lenders hesitate. We offer funding up to $500,000 in 3 hours and up to $4,000,000 in 24 hours.
Navigating Existing Loan Challenges
For clients with existing business loans, we offer solutions that complement their financial status.
Bridging the Finance Gap
Up to 70% discount for prompt payback. Offer your clients the flexibility they need, when they need it with incentives for paying off early.
Championing All Credit Histories
For clients with poor credit scores, defaults, or judgments, we find ways to fund them responsibly.
Track the buyers journey with ease

Your deals, at your fingertips

Submit your clients’ details using the Partner Portal and get live access to the deal flow. Bizcap will quickly assess your client’s information and within a couple of hours, provide a conditional offer. After the offer is accepted and the loan settles we’ll raise an invoice and transfer your commission.

Our process

How it works

Our objective is to make the process and simple for you, The Broker, as possible! Bizcap has dispersed over 18,000 Customer Business Loans and has a 4.9 Star Trustpilot rating to back up our Customer Service promise. Stepping beyond traditional lending with Bizcap is a great way to offer your clients fast, friendly and flexible business loan options.

Get accredited today

Easy Onboarding with the Partner Portal

Just log in, submit your clients' details, and choose whether we should contact you or your client directly. Alternative options are also avalaible, you can email our team or connect directly to our API.

Swift Assessments

Our efficient system means we'll assess your client's information and provide a conditional offer, complete with repayments and factor rate details, within hours. You can then let our tema sell the deal, or you can sell the deal with the support of our team.

Hassle-free Conclusions

Upon offer acceptance, we complete credit checks, send a contract via DocuSign, clarify the final details over the phone, and immediately transfer funds to your client.

Earn Your Deserved Commission

Once the loan is settled, relax and let us handle the rest. We'll raise an invoice and transfer your commission on a weekly basis.
Frequently Asked Questions

Partner FAQ's

How soon can my client get the funds?

Provided that a complete application is submitted, your clients can have the funds in their account in as little as three hours. If you have a client that desperately requires funding, please call us, and we will make your client our top priority.

What are the pain points that your customers could be experiencing that would results them in coming to Bizcap for a loan?

Often, customers come to us after previously being declined from another lender for a range of reasons. They are often pretty disheartened about the whole process. In a lot of cases, they have damaged their credit score further by shopping around. We also have many clients that have received financing but not enough, so come to us for the additional funds to close the gap on the shortfall.

We pride ourselves on being Australia’s most open-minded lender. Therefore, the overwhelming majority of our clients have:

- Been rejected by other traditional lenders
- Not received the entire amount they seek from other lenders and use financing from Bizcap to close the gap on the shortfall.
- Poor credit scores
- Defaults or judgments

How much capital can I get for my clients and what's the gerenal term of the loan?

We provide loans from $5,000 to $4,000,000, and our loan terms vary from 3 – 12 months. Payment terms are either daily or weekly. The total amount of the loan will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of the business.

What does Bizcap consider when reviewing an application?

Our primary considerations:

- The overall health of the business in terms of cash flow
- The business’ average end of day balances
- Frequency and volume of monthly deposits

Our secondary considerations:

- Time in business. We require businesses to be operating for a minimum of six months
- Loan repayment history with other lenders

You can find details for eligibility on your Broker Cheat Sheet, contact us if you’d like us to email you.

What if my clients need more funds?

Pre-settlement: If your client is not satisfied with the loan approval, please contact us to explain your specific needs. We will always try our best to work collaboratively with you to help our clients.

In addition, you can reassure your client that we can typically offer additional funding in as little as 4-6 weeks.

Our post-settlement process entails regular check-ins with your clients to see whether they need access to more capital. However, if you have a client that you know would like additional funding, please contact us directly.

Do I have to be involved in the application process, or can I simply provide customer contact details and allow you to contact the client on my behalf?

We are very flexible, you have options, just let us know what you’d prefer

If you would prefer to be in contact with your client, you can:

- Provide an application and up to date bank statements. We will assess your customer’s application from here.
- Provide contact details for your client. We will then send you secure, customised links for you to send to the customer.

If you would prefer to allow us to facilitate the application, we’re more than happy to do so.

What's the benefit of a broker referring to Bizcap as opposed to another SME lender?

The main benefit is being able to get funds for your clients, specifically the more tricky deals, or clients that have been previously declined by other lenders.

I have a customer in mind that I'm not sure they would be a suitable Bizcap candidate. I don't want to affect their credit score by running credit, can Bizcap help?

Simply call us or fill out the Partner Form above, and we can run through the scenario with you. In most cases, we can provide a conditional offer subject to credit checks.

What type of Small Buisness loans does Bizcap offer?

Bizcap offers both unsecured business loans and secured business loans. Our loan sizes vary from $5,000 to $4,000,000.

Does Bizcap require personal guarantees?

Bizcap may take personal guarantee(s) from directors of corporate borrowers, directors of corporate guarantors and certain individuals.

Is any security required on a Bizcap Small Business loan?

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

If the loan amount is above $30,000 (or any other figure Bizcap determines from time to time), Bizcap will, under the loan agreement, take a charge over the assets of the borrower and its guarantor(s). Bizcap may register its security interest(s) on the relevant register including the Personal Properties Securities Register and the relevant land interests register. In certain instances, Bizcap may require specific security to be granted over assets. Examples of security (based on loan size and the customer’s individual circumstances) include charges over bank accounts, vehicles or other personal property or caveats over land.

When assessing a loan application, Bizcap generally does not take into account whether a prospective borrower has specific assets to provide as security.

Security and assets are not required for an application regardless of the loan amount.

Bizcap provides business purpose loans to small to medium business owners . When assessing a loan application from a prospective borrower, Bizcap at its sole discretion may determine what security it requires from the borrower and any guarantor/s in order to approve a loan. This security may take the form of:
(a)         a registrable security interest over personal property in accordance with the Personal Properties Securities Act 2009 (Cth). This security interest may be enforceable against all present and after acquired property, specified collateral, or both;

(b)         a charge over real property, registrable by a caveat or mortgage in accordance with the relevant state property legislation in which the real property is situated; and/or

(c)          a corporate or personal guarantee (as the case may be), whereby a guarantor guarantees the performance of the loan by the borrower and agrees to be liable in their own capacity for any acts or omissions of the borrower, such as non-payment. The guarantee is also supported by a charge over the guarantor/s real and/or personal property.
Prospective borrowers and guarantors are encouraged to obtain independent legal advice in relation to the security that Bizcap requires once a loan application is assessed or approved.